Anamarie Waite, Car Insurance Writer
@anamarie.waite
Drivers in Arizona need $25,000 of bodily injury liability insurance per person (up to $50,000 per accident) and $15,000 of property damage liability insurance. Collision, comprehensive and gap insurance may also be required by a lender or lessor if your vehicle is financed.
In addition, an optional but recommended type of coverage in Arizona is uninsured/underinsured motorist insurance. It replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits.
Here’s How Much Car Insurance Drivers Need in Arizona:
| Coverage Type | Minimum Coverage Limit |
| Bodily Injury Liability Coverage (per person) | $25,000 |
| Bodily Injury Liability Coverage (per accident) | $50,000 |
| Property Damage Liability | $15,000 |
If you lease or finance your car, you may be required to carry coverage types that are not mandatory under Arizona law. Lenders or lessors usually require comprehensive and collision insurance. Collision insurance covers repairs to your car when you hit another car or object. If the damage to your vehicle was caused by something other than a collision—like a natural disaster, vandalism, falling objects, or animals—it is most likely covered by comprehensive insurance. Lenders may also require gap insurance, which covers the difference between
Even if you’re not required to carry these optional coverage types, you may still need them. You can learn more about when to drop optional coverage and the penalties for driving without insurance in Arizona to make sure you’re paying for the coverage you need.
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